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216 North Harris Street
Sandersville, GA 31082

The Geo. D. Warthen Bank is headquartered in Sandersville and is the 99th largest bank in the state of Georgia. It is also the 3,581st largest bank in the nation. It was established in 1871 and as of December of 2013, it had grown to 46 employees at 2 locations. The Geo. D. Warthen Bank's savings rates are 94% higher than the national average, but it has a C health rating.

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Limited To Seven Georgia Counties

For their Rewards Checking:

"This product is limited to those persons residing in the following counties. Washington, Johnson, Jefferson, Hancock, Glascock, Baldwin, and Wilkinson."


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 The Geo. D. Warthen Bank had $6.72 million in non-current loans and owned real-estate with $14.12 million in equity and loan loss allowances on hand to cover it. This gives The Geo. D. Warthen Bank a Texas Ratio of 47.64% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Geo. D. Warthen Bank decreased slightly from 62.48% as of December 31, 2012 to 47.64% as of December 31, 2013, resulting in a positive change of 23.75%.This indicates that the balance sheet and financial strength for The Geo. D. Warthen Bank has improved slightly in recent periods.

Deposit Growth


In the past year, The Geo. D. Warthen Bank has decreased its total deposits by -$16.43 million, resulting in -10.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Geo. D. Warthen Bank has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Geo. D. Warthen Bank has $159.38 million in assets with $14.12 million in equity, resulting in a capitalization level of 8.86%, which is average.

Institution Statistics

FDIC Certificate #2154
Year Established1871
Primary RegulatorFDIC
Assets and Liabilities
Assets$159.38 million
Loans$94.25 million
Deposits$139.92 million
Equity Capital$13.27 million
Loan Loss Allowance$845,000
Unbacked Noncurrent Loans$2.18 million
Real Estate Owned$4.54 million
Historic Data - December 2012
Assets$174.84 million
Equity Capital$15.71 million
Loan Loss Allowance$1.18 million
Unbacked Noncurrent Loans$2.18 million
Real Estate Owned$1.11 million
Profit Margin - Quarterly
Net Interest Margin3.97%
Return on Assets-0.8%
Return on Equity-8.95%
Interest Income$6.60 million
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The Geo. D. Warthen Bank Savings Account Rates


The Geo. D. Warthen Bank Checking Account Rates

2.01%-$10kReward Checking-REALSaver
2.01%-$10kReward Checking
0.05%--Reward Checking-REALSaver
0.05%--Reward Checking

The Geo. D. Warthen Bank Locations
The Geo. D. Warthen Bank216 North Harris StreetSandersville, GA 31082
Limited Service Facility603 South Harris StreetSandersville, GA 31082